|  |  | | | OR | | |  | | For 10/11/2008 | | Programs | Rate | APR | P&I | | 30 Year (fixed) | 6.500% | 6.689% | $ 948 | | 15 Year (fixed) | 6.000% | 6.288% | $ 1,266 | | 3/1 Arm* | 5.875% | 6.331% | $ 887 | Calculations based on loan amount of $150,000 at an 80% loan-to-value. *ARM loans based on 30 year term and APR may increase after closing. | |